Baselregels

Baselregels, also known as the Basel Accords, is a series of international banking regulations developed by the Basel Committee on Banking Supervision (BCBS). These accords aim to ensure that banks have sufficient capital to absorb unexpected losses and to promote financial stability worldwide. The first Basel Accord, Basel I, was introduced in 1988, focusing primarily on credit risk. It established a framework for calculating capital requirements based on the risk-weighted assets of banks.

In 2004, Basel II was published, introducing more sophisticated risk measurement techniques. It expanded the scope to include operational risk and market risk, and allowed banks more flexibility in calculating their capital requirements, often through the use of internal models. Basel II also emphasized the importance of the supervisory review process and market discipline.

The most recent framework, Basel III, was developed in response to the global financial crisis of 2007-2008. It strengthens bank capital requirements by increasing capital ratios and introducing new liquidity requirements. Basel III aims to improve the banking sector's ability to absorb shocks arising from financial and economic stress, whatever the source, thus reducing the risk of spillover from the financial sector to the real economy. Key elements include higher capital buffers, better risk coverage, and enhanced disclosure standards. The implementation of Basel III is ongoing and varies by jurisdiction.